[Investment and Financial Management] I learned to save stocks at the age of 45, and I received 2 million in dividends every year. Reading experience - the best time to start anything is always "now"

Saving shares requires time to accumulate compound interest, but what should I do if I am not young anymore, don’t worry, if someone can get 2 million passive income from the age of 45, then why can’t you and me?

I used to be fascinated by spread trading, so I went to Dianshi Winner Elementary School and Teacher JG's courses. They are a few traders who I think get good results with spread trading, but for non-professional me, It's really not the way I want to choose. Maybe you have the chance to read this article and you can do spread trading while working. Then I sincerely admire you, but for us who work on the construction site all day, we really don't have time to look at the market. Especially the master, half of the orders placed there with the mobile phone, the boss is 80% unhappy, instead of this, we might as well choose a reassuring method.

Save money instead of stocks

I once met a colleague who was really persevering and had a monthly salary of more than 40,000 yuan and had to save 20,000 yuan a month. When asked why he had to live so cheaply, he said that he wanted to save stocks and financial stocks every month to save money One or two hundred yuan to save money must be compared with baht. At that time, did I really think it was necessary? But now I know he's smart.

In "I learned to save stocks at the age of 45, and received 2 million in dividends every year", the author mentioned that you don't have to buy a fixed amount on a regular basis, but you must develop the habit of saving money. When it comes to the motivation to save money, you can look at the classic bestsellers " Rich Dad, Poor Dad " concept, pay yourself first.

To know how much you need to pay yourself, the first step to do is actually to keep an account. If you don’t know how much you will spend a month, then saving too much will cause your quality of life to decline and cause yourself pressure. , Regarding billing, you can download the Billing City app, which is very interesting and can reduce the resistance to habit formation.

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Buy stocks during lunch break without worrying about being discovered by the boss

The author of this book is a professor. The professor has free time. As long as the market opens, there is no problem in buying stocks, but for us office workers or teachers, it is difficult to buy stocks between 9:00 and 12:00. , unless your boss doesn't mind, but if I'm the boss today, I'll mind, do what you don't want, don't do it to others.

Since stockholders don’t really need to look at the stock market, and you are not encouraged to watch the stock all the time, this mode of taking an occasional glance at noon is highly executable. When I first came out of the society, I saw other supervisors staring at their mobile phones and walking on scaffolding every day. , it is not guaranteed to make money and it is dangerous, there is a lot of money, and life is to be cared for.

For colleagues who are working at night, they can take advantage of the time at 9:00 in the morning after get off work to look at the market and decide whether to buy stocks or not, and then go to sleep.

We want cash flow, not cash

I think it is easy for lottery winners to fall back into poverty, because there is no concept of cash flow, how much money you have to spend each month, how much money you earn should not change much, but if you spend the winnings all at once What will happen next month?

Investment and financial management should not be the slogan of those financial experts themselves, but something everyone should do. The concept of financial freedom has become very popular in recent years, causing many people to go to learn spread trading, but trading is also a job, where does financial freedom come from.

It’s a commonplace to use money to make money, but no matter how many years have passed, there have been many cases of investment fraud. Obviously, as long as you read more, you will find that these things have happened, and some people will still be deceived. This year (2022) news There are many such fraud cases. I think it will still happen in a few hundred years.

The real rich people can't be seen

The colleague I once met was in his 40s and was still riding a motorcycle and taking the train to work, but the number of financial stocks in his hands would be surprising. Do you think he has no money? He is very rich, but if he doesn't talk about it, we really can't tell.

The workers are not all people from the bottom of the society. Our company worker, because of proper financial management, has a lot of real estate under his name. He usually brings his own lunch, drives an old car for more than ten years, and lives a simple life. Speaking of which, you never knew he had money.

Occupation does not distinguish between high and low, work hard, and manage your finances well. This kind of words that I don’t even listen to myself have really played a lot of roles and created a lot of value. Not everyone has the means to start a business and become a boss, but Improve your functions and manage your finances patiently. Everyone can do it.

Spread trading is the same place as depository

I used to think that spread trading and value investing are two completely different things. In fact, different paths lead to the same goal, and there is a core concept called "Anti-market" , their strategy is to buy when they fall, which is Buffett's sentence: Others are greedy and I am fearful, others are fearful and I am greedy .

If you are interested in counterfeiting, you can read the book written by JG " anti-market ”, No matter whether it is value investment or spread trading, the point of purchase is very important. If you decide to save the stock, but the stock keeps falling after buying it, I believe it is very uncomfortable, and it is easy to fail to save, so let me say it again: It's important to buy .

Although it is very important to buy, please don't guess when the bottom is the bottom. No one can guess. We can only buy at a relatively low point, but there is no way to buy at an absolute low point. The rest will be left to time, time will tell. everything.

Epilogue

One of my favorite concepts in this book is: Think of your stocks as a coffee tree. When you buy a stock, you plant a tree, and when you receive a dividend, you get the harvest. If you cut down the tree and think that there will be coffee beans next year, it is no doubt that you are asking for fish. I learned to save stocks at the age of 45, and I receive 2 million in dividends every year . If you are interested, you can buy them and take a look.